Oportun Financial Corporation (OPRT)
Total Valuation
OPRT has a market cap or net worth of $269.73 million. The enterprise value is $2.31 billion.
| Market Cap | 269.73M |
| Enterprise Value | 2.31B |
Important Dates
The next earnings date is Thursday, August 4, 2022, after market close.
| Estimated Earnings Date | Aug 4, 2022 |
| Ex-Dividend Date | n/a |
Share Statistics
OPRT has 32.81 million shares outstanding. The number of shares has increased by 16.01% in one year.
| Shares Outstanding | 32.81M |
| Shares Change (YoY) | +16.01% |
| Shares Change (QoQ) | +11.79% |
| Owned by Insiders (%) | 8.82% |
| Owned by Institutions (%) | 73.69% |
| Float | 27.54M |
Valuation Ratios
| PE Ratio | 2.66 |
| Forward PE | n/a |
| PS Ratio | 0.43 |
| PB Ratio | 0.42 |
| P/FCF Ratio | 1.76 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 15.71, with a EV/FCF ratio of 15.10.
| EV / Earnings | 25.70 |
| EV / Sales | 3.70 |
| EV / EBITDA | 15.71 |
| EV / EBIT | 19.87 |
| EV / FCF | 15.10 |
Financial Position
The company has a current ratio of n/a, with a Debt / Equity ratio of 3.41.
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 3.41 |
| Debt / EBITDA | 15.04 |
| Debt / FCF | 14.46 |
Financial Efficiency
Return on equity (ROE) is 16.00%, which is considered high. The company has a high ROIC of 2.80%.
| Return on Equity (ROE) | 16.00% |
| Return on Assets (ROA) | 3.40% |
| Return on Capital (ROIC) | 2.80% |
| Revenue Per Employee | $229,115 |
| Profits Per Employee | $33,000 |
| Employee Count | 2,729 |
| Asset Turnover | 0.24 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OPRT has paid $26.43 million in taxes.
| Income Tax | 26.43M |
| Effective Tax Rate | 22.69% |
Stock Price Statistics
The stock price has decreased by -59.35% in the last 52 weeks. The beta is 1.36, so OPRT's price volatility has been higher than the market average.
| Beta (1Y) | 1.36 |
| 52-Week Price Change | -59.35% |
| 50-Day Moving Average | 10.51 |
| 200-Day Moving Average | 14.80 |
| Average Volume (30 Days) | 235,791 |
Short Selling Information
The latest short interest is 374,971, so 1.14% of the outstanding shares have been sold short.
| Short Interest | 374,971 |
| Short % of Shares Out | 1.14% |
| Short % of Float | 1.36% |
| Short Ratio (days to cover) | 1.75 |
Income Statement
In the last 12 months, OPRT had revenue of $625.25 million and earned 90.06 million in profits. Earnings per share was $3.09.
| Revenue | 625.25M |
| Gross Profit | 625.25M |
| Operating Income | 116.49M |
| Pretax Income | 116.49M |
| Net Income | 90.06M |
| EBITDA | 147.34M |
| EBIT | 116.49M |
| Earnings Per Share (EPS) | $3.09 |
Balance Sheet
The company has $170.56 million in cash and $2.22 billion in debt, giving a net cash position of -$2.05 billion or -$62.32 per share.
| Cash & Cash Equivalents | 170.56M |
| Total Debt | 2.22B |
| Net Cash | -2.05B |
| Net Cash Per Share | -$62.32 |
| Book Value | 649.94M |
| Book Value Per Share | 19.81 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $183.86 million and capital expenditures -$30.59 million, giving a free cash flow of $153.26 million.
| Operating Cash Flow | 183.86M |
| Capital Expenditures | -30.59M |
| Free Cash Flow | 153.26M |
| FCF Per Share | $4.67 |
Margins
Gross margin is 100.00%, with operating and profit margins of 18.63% and 14.40%.
| Gross Margin | 100.00% |
| Operating Margin | 18.63% |
| Pretax Margin | 18.63% |
| Profit Margin | 14.40% |
| EBITDA Margin | 23.56% |
| EBIT Margin | 18.63% |
| FCF Margin | 24.51% |
Dividends & Yields
OPRT does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Earnings Yield | 33.39% |
| FCF Yield | 56.82% |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -12.50% |
| Shareholder Yield | -12.50% |
Analyst Forecast
The average price target for OPRT is $26.35, which is 220.56% higher than the current price. The consensus rating is "Buy".
| Price Target | $26.35 |
| Price Target Difference | 220.56% |
| Analyst Consensus | Buy |
| Analyst Count | 13 |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |